She Came Here To Fight Me | Financial Audit

Raven earns $18/hour frosting cakes (30 hours/week, $750 bi-weekly) and approximately $3,000/month from her eyelash extension business. Her lash business has a $1,000/month studio rent and $50-100/month in supplies, reducing her effective hourly rate to $19/hour after expenses.

Host details Raven's frosting income at $18/hour for 30 hours/week, yielding $750 bi-weekly. Raven states her eyelash business makes about $3,000/month. Studio rent is $1,000/month, and supplies are $50-100/month, leading to the host calculating an effective $19/hour wage after expenses.

Raven is being sued by a credit card company for an unpaid $17,000 balance. This debt is part of $30,000 in credit limits she accumulated across multiple cards, often with limits raised by the bank. She also owes $10,573 to National Debt Relief for other consolidated debts.

Raven states she is being sued by a credit card for an unsettled debt. She explains how initial $5,000 credit limits were raised to $10,000 and then $15,000, totaling $30,000 in credit. The host later confirms current debt owed to National Debt Relief is $10,573.

As a self-employed individual, Raven fails to set aside 30% of her income for taxes, incurring penalties and payment plans for previous years. She justifies this by stating she needs the money for immediate bills, despite the host's insistence that the money was earned and should be set aside.

Host asks if Raven sets aside 30% for taxes. Raven replies she doesn't have the money because of bills and credit card lawsuits. Host explains that money is made to be set aside for taxes. Raven admits to owing $1,200 in previous taxes and being on payment plans.

Raven's regular spending on boxed wine ($17 for 1-2 weeks), weed ($40/week), cigarettes (a pack/week), thrifting, and tattoos significantly drains her income. She uses these as coping mechanisms for stress and depression, resisting the idea of cutting them out.

Raven lists tattoos as a love and admits to being 'fake goth.' She details her spending on boxed wine ($17 lasting 1-2 weeks), weed ($40/week), and cigarettes (a pack/week). She also mentions going antiquing and thrifting. Host highlights these as expensive vices draining her budget.

Raven has medical debt totaling $1,996 from a seizure-related hospital visit and an additional $1,400 ambulance bill. She acknowledges stress exacerbates her seizures but continues habits like drinking and smoking, which can worsen her condition, despite her neurologist knowing she smokes.

Raven reveals a $1,996 debt to Skyridge hospital for a seizure-related visit and a $1,400 ambulance bill from Lone Tree Fire Department. She states stress causes seizures and that quitting smoking can cause seizures, though her neurologist didn't say smoking itself causes them.

Raven owes her boyfriend $1,600 for car repairs he put on his credit card, which has negatively impacted his credit. She also owes her uncle $2,500 for a car purchase, which she is paying back at a slow rate of $50/month, a pace that would take another four years to clear.

Raven states her car broke down and her boyfriend had to put the repair on his credit card, making her owe him $1,600 and impacting his credit. She also mentions owing her uncle $2,500 for a car, which she is currently paying at $50/month, down from $300/month previously.

After a comprehensive financial audit, the host demonstrates that Raven has $400 left over each month after accounting for her income (post-tax), rent, utilities, food, and even her vices, proving she has the capacity to pay down debt.

The host meticulously goes through Raven's income and expenses, including setting aside 30% for taxes, rent, utilities, phone, gas, car insurance, food, and even an allowance for her vices. He concludes that she has $406 left over, which he rounds to $400, much to Raven's surprise.